Check-protecting means



July E0, W2".

G. L. WALKER CHECK PROTECTING MEANS Filed March 2O pAYTo THE ORDER OF DaNoT P Mon: THAN comamn'o AMnuNTs PRINTLD 0N LEFT HnND 311mm n hn,

que-@HQE L. WAL/f5@ Patented July l0, 1923.

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CHCK-PROTECTING- MEANS.

Application filed March 20, 1922. Serial No. 545,011.

T0 all @07mm it may concern.'

Be it known that I, 'GEORGE L. VJALKER, a citizen of the United States, residing at Moorhead, in the county Vof Clay and State of Minnesota, have invented certain new and useful Improvements in Check-Protecting Means, of which the following is a specification.

This invention relates to means for protecting checks or other negotiable instruments from being raised to higher sums than that for which they were originally drawn, and the main object is to provide a novel form of check and check holder whereby when the check is removed from the holder it will indicate in printed characters the highest amount for which the check can be cashed, which amount is predetermined by the particular amount for which any particular check is desired drawn. Further objects will be disclosed in the course of the following speciiication and are illustrated in the accompanying drawing, wherein:

F ig. 1 is an edge View of a check book and holder therefor, embodying my inven` tion.

Fig. 2 is a plan view of the holder in open and operative position, parts being broken away.

Fig. 3 is a partial view of a check which has been severed from the holder and book.

Fig. 4 is an enlarged detail section on the line 4-4 in Fig. 2.

Referring to the drawing by reference characters 5 designates a check book holder having a check book pocket 6, a cover 7 and an end flap 8 adapted to be det-achably secured to the end of the cover 7 by a snap fastener 9. The stitched end of the check book or block 10 is slidably housed in the pocket 6, while the loose or extended end is adapted to be folded back over the pocket 6, when not in use, and encased by the members 7 and 8, as illustrated in Fig. 1. The open end of the pocket 6 is provided with a metallic cutting edge member 11 against which each check is torn when to be severed from the book. The pocket may also be provided with a slot 12 up through which the old check stubs 13 (see Fig. 4) may be extended so as not to interfere with the cutting of the checks next to be severed; Thus the lower part of the member 11 may slightly project into the slot 12, as at 14, so that when the check book is withdrawn from the pocket and slight pressure is brought to bear down on `the member 1l the stubs `13 will automatically come up through the slot 12. It will be understood, however, that the slot 12 may be dispensed with entirely, in which event each stub 13 will have to be removed and destroyed as the check corresponding therewith is severed and given to the payee thereof. It may here be noted that the stubs 13 in this case are not kept as a record of the checks drawn, such record having to be kept at another convenient place, as for instance, on form leaves at the back of the book.

The check form used in this invention is of particularly novel and practical design and construction, being in substance printed and perforated as follows: The reading matter directed to the particular bank or drawee on which the check is drawn is of conventional form, the only addition being a statement in substance about as follows: Do not pay more than combined largest amounts printed on left hand margin.

At the left end of each check leaf and between the check proper and the stitching is a stub 15, which is divided longitudinally into three columns A, B and C by perforations 16. The columns A and C are pro` vided with figures indicating amounts of money, the figures in each column increasing progressively and in certain like amounts as they leave the check proper and approach the outer end of the stub, and the lowest figure in column A is preferably one limiting unit greater than the highest amount in column C. Thus, if the figures in column C progress from. $5.00 to $95.00, the figures in column A may begin at $100.00 and progress in units of $100.00 steps to $1900.00. Thus the check can be drawn and limited by the printed figures in any amount from $5.00 to $1995.00, and as all printed gures, greater than the amount for which the check is drawn, are left in the book or destroyed it will of course be impossible to raise the check and cash it for more than it was originally drawn. Column B has printed thereon, in lines corresponding to the dollar designations in columns A and C words such as Not more than which will remind the bank not to pay more than the combined largest amounts in columns A and C. Thus in drawing a check for $875.00, as shown in Fig. 3. after the check is written the book is pulled out until the $800.00 character is just outside of the cutting edge of the niembel 1l. The check is then cut to the first line of perforations 16, or across the column A. The bool; is then pulled farther out until the character $7 5.00 appears. The check is then cut across the columns B and C and by now tearing the remainder of column B away from column A along the dividing perforations the check becomes completely severed and ready for commercial use.

It is understood that various and suitable modifications may be made ill this invention, as above set forth, provided, however, that such modiiications come within the spirit and scope of the appended claim.

Having now therefore fully shown and described my invention what I claim to be new and desire to protect by Letters Patent is:

A check book holder having a pocket adapted to slidably receive a check book, and a cut-ting device at the opening of the pocket, one Wall of said pocket having a transverse slot adjacent to said cutting device, and said cutting device having a rearwardly projecting edge extending slightly into said slot.

In testimony whereof I affix my signature,

GEORGE L. WALKER. 

